Neighbors Helping Neighbors Since 1959

Loan Options

Purchase

Auto Purchase Loans

Buying a car should feel exciting, not stressful. Our auto purchase loans give you a straightforward way to finance a reliable vehicle with clear terms, fair rates, and predictable monthly payments. Because decisions are made locally, you get faster answers and a smoother experience from start to finish.

Whether you're purchasing from a dealership or a private seller, we make the process simple and flexible. You’ll know exactly what to expect before you sign, and our team is available to answer questions and guide you every step of the way.
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Personal Loans

When life brings unexpected expenses—medical bills, travel, emergencies, or school costs—a personal loan can help you get back on track quickly. Our installment-based approach means you can borrow what you need and repay it with steady, manageable monthly payments.

These loans don’t require collateral, making them a good fit for a wide range of situations. We work with many different credit backgrounds and focus on finding a payment plan that fits your budget and timeline.
 
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Debt Consolidation Loans

High-interest bills can pile up fast. A debt consolidation loan helps simplify your finances by combining multiple payments into one predictable monthly installment. This can make it easier to manage your budget and reduce overall stress.

It’s also a practical way to potentially lower your total monthly payment and create a clear payoff plan. With local decision-making and a transparent process, you’ll always know exactly where you stand.

 

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Home & Auto Repair Loans

Repairs rarely happen at convenient times. When a major home or vehicle issue pops up, this type of loan gives you fast access to funds so you can make necessary fixes without delay. The goal is to help you keep life moving with as little disruption as possible.

These loans work well for everything from HVAC work and plumbing to engine repairs and maintenance. With fixed monthly payments, you can complete the project now and repay it gradually—without dipping into your savings.
 
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Title / Flex Loan Relief

If you’re stuck in a costly title loan or short-term flex loan, we offer a way out. Transferring to a traditional installment loan can significantly reduce your monthly costs and help you regain control of your finances with a clearer, more affordable payoff structure.

This option replaces high-fee, high-stress payments with fixed installments you can actually plan around. It’s designed to give borrowers a fresh start and a more stable path forward.
 
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Our Locations

Local Offices. Friendly People. Fast Approvals.
Stop by or make an appointment.


 

Johnson City

1200 North Roan Street, Johnson City, TN 37604
Phone: 423-232-8959
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Kingsport / Colonial Heights

2705 Fort Henry Drive, Kingsport, TN 37664
Phone: 423-245-1210
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Elizabethton

1970 West Elk Avenue, Elizabethton, TN 37643 (Across from VFW)
Phone: 423-542-3353
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Greeneville

817 Andrew Johnson Highway, Greeneville, TN 37745
Phone: 423-638-1849
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